Online Car Breakdown Policy Summary
Contents Breakdown Policy Summary...3 page 2
Breakdown Policy Summary This policy summary does not contain full details on the limits, conditions or exclusions of the insurance cover. For full details of the insurance cover, please read the full policy wording in this booklet. Insurer Your breakdown cover is provided by Britannia Rescue and is underwritten by Liverpool Victoria Insurance Company Limited. Type Of Cover UK Recovery & Home Assist - Will provide breakdown and recovery assistance if you breakdown at home, the normal place of garaging or away from home. Recovery will be to a local garage if you breakdown at home or the normal place of garaging. If you breakdown more than a quarter of a mile from the home address or normal place of garaging we will take you to a destination of your choice. Europe - Any countries within the geographical limits highlighted in the policy wording (see Section D of the policy booklet). (Only applicable if you have paid the relevant premium for the EU extended policy) How To Obtain Assistance Please call 0800 023 2752 if you are in the UK or +44 1202 314 014 if you are in Europe. For textphone please dial 18001 first. Cover Benefits Recovery: We will try to repair any fault at the roadside if your vehicle breaks down or fails to start more than a quarter of a mile from your home address or normal place of garaging. If we cannot repair your vehicle at the roadside, will take your vehicle, you and up to 7 passengers to a suitable place of repair or to a destination of your choice if we cannot repair your vehicle by the end of the day on which the breakdown occurred. Home Assist: If your vehicle fails to start at home or the normal place of garaging, we will try to repair the fault but if this is not possible we will take you to a suitable place of repair in the local area. Onward Travel & Overnight Accommodation: If following a breakdown away from home or the normal place of garaging and the vehicle cannot be repaired by the end of the day on which the breakdown occurred you can choose one of the following options: page 3
1. A hire car of up to 1600cc (subject to availability) for a period not exceeding 24 hours. You must take up the hire car option within 24 hours of the breakdown. 2. The cost of alternative transport for you and up to 7 passengers. The most we will pay is 100 for this benefit. 3. The cost of overnight bed and breakfast accommodation close to the garage that is repairing your vehicle. The most we will pay is 60 per person for this benefit up to a total amount of 500 for any one claim. We will also pay up to 40 for public transport costs to enable the driver to collect the vehicle the following day. Caravan & Trailer Assistance: Any caravans or trailers attached to your vehicle at the time of a breakdown will be recovered with your vehicle. Caravans or trailers attached to vehicles following a request for assistance at the normal place of garaging will not be recovered. Message Relay Service: We can inform friends, family or business associates of any delays if you suffer a breakdown or failure of the vehicle to start. European Breakdown Assistance: We will provide Roadside Assistance and Recovery if you break down within the geographical limits shown in the policy wording (see Section D of the policy booklet). Significant Or Unusual Exclusions Applying To The Whole Policy Vehicles cannot be more than 14 years old at inception of the policy. Vehicles which are used for Hire and Reward purposes. Vehicles which were not roadworthy or were broken down before your policy began will not be covered. Excessive or unreasonable use of the service. An example of this could be a failure to repair the vehicle following a call out for the same problem. The cost of all parts or supplies used or provided to you or for your vehicle. Any change to the vehicle on cover must be permanent. Any charges incurred because your vehicle is not carrying a legal or serviceable spare wheel. Any costs involved with using additional equipment to move your vehicle into a position where we can try to repair it or transport it. Breakdown services for vehicles involved in sporting events. Reduction in the level of cover is not allowed during the policy period. We will not pay any costs for assistance that we have not been arranged through our control centre. Any claims arising from speeding, alcohol or drug related incidents. Any fines, penalties, tolls or unclamping charges you have to pay. We will pay any toll fees if you have been recovered by one of our agents. Any labour charges unless they are covered by your policy or where we have agreed to pay them prior to any repairs commencing. page 4
The cost of any service outside the period of cover shown on your current Schedule of Insurance, or where the premium has not been paid. Vehicles must conform to the dimensions shown in Section B of the policy wording (Vehicles). Period Of Insurance The policy is a 12 month contract and cover will be in place for 12 months or until the date of expiry shown on the current Schedule of Insurance. Cancellation At policy commencement: When you receive confirmation of your Policy, you have 14 days in which to consider the cover provided. If you are not satisfied, you may apply to One Insurance Solution for a pro rata refund of premium paid, which will be provided as long as you have not used any of our services. During the policy term: You may cancel your Policy at any time by contacting One Insurance Solution. No refund will be paid if you cancel the policy after the 14 day cancellation period shown above. Complaints We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. A copy of our internal complaints handling procedure is available on request. If you feel that we have not offered a first class service please contact us on 0800 756 8828 (Opening hours Mon-Fri 9am-5pm) or in writing to: The Quality Manager, Britannia Rescue, Folly Hall Mills, St Thomas Road, Huddersfield, West Yorkshire HD1 3LT. Email: quality@britanniarescue.com If we can t resolve your complaint, you may refer your complaint to the Financial Ombudsman Service within 6 months of receiving our final response letter: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0800 0 234 567 (free for people phoning from a fixed line, for example a landline at home) or 0300 123 9 123 (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02). Email: complaint.info@financial-ombudsman.org.uk Making a complaint will not affect your right to take legal action. Compensation From The Financial Services Compensation Scheme (FSCS) If we are unable to meet our liabilities to our policyholders, you may be able to claim compensation from the Financial Services Compensation Scheme (FSCS). There are different levels of compensation, depending on what kind of insurance you have: Compulsory insurance, such as third party motor insurance, is covered for 100% of the claim. Non-compulsory insurance, such as breakdown insurance, is covered for 90% of the claim. page 5
You can get further information from the Financial Services Compensation Scheme: 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU Tel: 0800 678 1100 or 020 7741 4100 Email: enquiries@fscs.org.uk Britannia and Britannia Rescue are registered trademarks and trading styles of the Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales No. 3232514 is authorised and regulated by the Financial Services Authority, register number 202965. Registered address for both companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333. For various legal, regulatory and service requirements your telephone call may be recorded or monitored. 3314OIS161112 page 6
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